Monefit SmartSaver
Consumenten7.5-10.5% Rendementen
Voordelen
- Daily interest
- Instant withdrawals
- €5 minimum
- Simple UI
Nadelen
- Not regulated
- Single loan originator
Oordeel
Best platform for beginners. Very user-friendly and reliable payments.
Vind Jouw P2P Platform
Onafhankelijke vergelijking met fiscale rekenmachine.
0
Platforms
0%
Max Yield
0%
Avg Return
Platform Vergelijking (24)
Gesponsorde plaatsingen worden, wanneer aanwezig, expliciet vermeld. Sponsoring kan alleen de positie van een platform in de vergelijkingstabel beïnvloeden, nooit de rating, de reviewconclusie of de redactionele beoordeling.
| Categorie | Reg | Bonus | Registreren | ||||
|---|---|---|---|---|---|---|---|
| Monefit SmartSaver | Consumenten | 7.5-10.5% | 3/10 | None | 0.5% Cashback + 5€ 5€ instant + 0.5% cashback (90 days) | €5 | Registreren |
| Bitget | Crypto Lending | Variable | 8/10 | VASP licensed in EU | Tot 6000 USDT Gebruik code FRA555 • Tot 6000 USDT | €0 | Registreren |
| Nectaro | Consumenten | 14.9% | 6/10 | None | 1% Cashback First 30 days • Max €200 | €10 | Registreren |
| PeerBerry | Consumenten | 11% | 2/10 | ECSP | 0.5% Welcome + Tot 1% VIP Welcome: +0.5% 90 days • Loyalty: up to +1% | €10 | Registreren |
| Mintos | Multi-Asset | ~12% | 5/10 | MiFID II | Tot 500€ Vaste Bonus Tiered: €20>1.5K • €35>2.5K • €75>5K • €175>10K • €500>25K (WEALTH26, until 30 Apr 2026) | €50 | Registreren |
| Esketit | Consumenten | 12-14% | 8/10 | None | 1.5% Cashback First 90 days • Gold/Platinum status | €10 | Registreren |
| Afranga | Bedrijven | 14.75% | 4/10 | ECSP | 0.5% Cashback First 90 days | €10 | Registreren |
| InRento | Vastgoed | ~12% | 2/10 | Lithuanian CB | 20€ Vaste Bonus First project • Min €500 | €100 | Registreren |
| Indemo | NPL | 15-18% | 5/10 | Regulated | Tot 5% Cashback Tiered: 2.5%>250€ • 4%>1500€ • 5%>5000€ | €100 | Registreren |
| Triple Dragon | Gaming | 14% | 6/10 | None | 1% Cashback Invest within 60 days • Both parties | €50 | Registreren |
| Lendermarket | Consumenten | ~14% | 6/10 | None | 10€ + 1.0% Cashback First 90 days | €10 | Registreren |
| Maclear | Bedrijven | up to 15.6% | 3/10 | ECSP | 15€ + 3% Cashback Welcome €15 + 3% cashback first 90 days | €50 | Registreren |
| Modena | Consumenten | 8.5-11% | 2/10 | Regulated | Tot 1025€ Vaste Bonus Newcomer campaign on official site | €50 | Registreren |
| Viainvest | Consumenten | ~11.8% | 2/10 | Regulated | 1.0% Cashback Auto-invest only • First quarter | €10 | Registreren |
| Income Marketplace | Consumenten | ~13% | 3/10 | None | 1.0% Cashback First 30 days | €10 | Registreren |
| Ventus Energy | Energie | 6-12% | 8/10 | None | +1.0% Interest Boost Extra yield on green investments | €50 | Registreren |
| LANDE | Landbouw | up to 14% | 6/10 | None | 1% Cashback First 90 days • Both parties | €50 | Registreren |
| Debitum | Bedrijven | ~10% | 2/10 | Regulated | +0.5%/+2% Loyalty Perpetual loyalty boost by tier | €50 | Registreren |
| Bondora | Consumenten | ~6% | 1/10 | Regulated | 5€ Vaste Bonus Welcome bonus • Invest €50 in 30 days | €1 | Registreren |
| Revest | Vastgoed | up to 13% | 5/10 | None | 0.5% Cashback Invest within 30 days • Both parties | €0 | Registreren |
| SAVY | Consumenten | up to 13% | 5/10 | Bank of Lithuania | 1% Cashback First 90 days • Max €1,000 | €10 | Registreren |
| Letsinvest | Vastgoed | up to 12% | 5/10 | ECSP | — | €100 | Registreren |
| Bondster | Consumenten | up to 14% | 6/10 | None | 1% Cashback First 90 days via referral | €5 | Registreren |
| Asterra Estate | Vastgoed | up to 14% | 6/10 | None | — | €100 | Registreren |
| FF Forest | Landbouw | up to 18% | 8/10 | None | — | €500 | Registreren |
| 8lends | Crypto Lending | Variable | 9/10 | None | 30 USDC + 6% 8LNDS Welcome: 30 USDC + 6% in 8LNDS tokens on every investment | €100 | Registreren |
Monefit SmartSaver
Consumer
❌
Rendementen
7.5-10.5%
Risk Score
3/10
Buyback
❌
Min Inv.
€5
Bonus
0.5% Cashback + 5€
5€ instant + 0.5% cashback (90 days)
5€ instant + 0.5% cashback (90 days)
Mintos
Multi-Asset
✅
Rendementen
~12%
Risk Score
5/10
Buyback
❌
Min Inv.
€50
Bonus
Tot 500€ Vaste Bonus
Tiered: €20>1.5K • €35>2.5K • €75>5K • €175>10K • €500>25K (WEALTH26, until 30 Apr 2026)
Tiered: €20>1.5K • €35>2.5K • €75>5K • €175>10K • €500>25K (WEALTH26, until 30 Apr 2026)
PeerBerry
Consumer
✅
Rendementen
11%
Risk Score
2/10
Buyback
❌
Min Inv.
€10
Bonus
0.5% Welcome + Tot 1% VIP
Welcome: +0.5% 90 days • Loyalty: up to +1%
Welcome: +0.5% 90 days • Loyalty: up to +1%
Esketit
Consumer
❌
Rendementen
12-14%
Risk Score
8/10
Buyback
❌
Min Inv.
€10
Bonus
1.5% Cashback
First 90 days • Gold/Platinum status
First 90 days • Gold/Platinum status
Nectaro
Consumer
❌
Rendementen
14.9%
Risk Score
6/10
Buyback
❌
Min Inv.
€10
Bonus
1% Cashback
First 30 days • Max €200
First 30 days • Max €200
Afranga
Business
✅
Rendementen
14.75%
Risk Score
4/10
Buyback
❌
Min Inv.
€10
Bonus
0.5% Cashback
First 90 days
First 90 days
InRento
Real Estate
✅
Rendementen
~12%
Risk Score
2/10
Buyback
❌
Min Inv.
€100
Bonus
20€ Vaste Bonus
First project • Min €500
First project • Min €500
Indemo
NPL
✅
Rendementen
15-18%
Risk Score
5/10
Buyback
❌
Min Inv.
€100
Bonus
Tot 5% Cashback
Tiered: 2.5%>250€ • 4%>1500€ • 5%>5000€
Tiered: 2.5%>250€ • 4%>1500€ • 5%>5000€
Triple Dragon
Gaming
❌
Rendementen
14%
Risk Score
6/10
Buyback
❌
Min Inv.
€50
Bonus
1% Cashback
Invest within 60 days • Both parties
Invest within 60 days • Both parties
Lendermarket
Consumer
❌
Rendementen
~14%
Risk Score
6/10
Buyback
❌
Min Inv.
€10
Bonus
10€ + 1.0% Cashback
First 90 days
First 90 days
Maclear
Business
✅
Rendementen
up to 15.6%
Risk Score
3/10
Buyback
❌
Min Inv.
€50
Bonus
15€ + 3% Cashback
Welcome €15 + 3% cashback first 90 days
Welcome €15 + 3% cashback first 90 days
Modena
Consumer
✅
Rendementen
8.5-11%
Risk Score
2/10
Buyback
❌
Min Inv.
€50
Bonus
Tot 1025€ Vaste Bonus
Newcomer campaign on official site
Newcomer campaign on official site
Viainvest
Consumer
✅
Rendementen
~11.8%
Risk Score
2/10
Buyback
❌
Min Inv.
€10
Bonus
1.0% Cashback
Auto-invest only • First quarter
Auto-invest only • First quarter
Income Marketplace
Consumer
❌
Rendementen
~13%
Risk Score
3/10
Buyback
❌
Min Inv.
€10
Bonus
1.0% Cashback
First 30 days
First 30 days
Ventus Energy
Energy
❌
Rendementen
6-12%
Risk Score
8/10
Buyback
❌
Min Inv.
€50
Bonus
+1.0% Interest Boost
Extra yield on green investments
Extra yield on green investments
LANDE
Agricultural
❌
Rendementen
up to 14%
Risk Score
6/10
Buyback
❌
Min Inv.
€50
Bonus
1% Cashback
First 90 days • Both parties
First 90 days • Both parties
Debitum
Business
✅
Rendementen
~10%
Risk Score
2/10
Buyback
❌
Min Inv.
€50
Bonus
+0.5%/+2% Loyalty
Perpetual loyalty boost by tier
Perpetual loyalty boost by tier
Bondora
Consumer
✅
Rendementen
~6%
Risk Score
1/10
Buyback
❌
Min Inv.
€1
Bonus
5€ Vaste Bonus
Welcome bonus • Invest €50 in 30 days
Welcome bonus • Invest €50 in 30 days
Revest
Real Estate
❌
Rendementen
up to 13%
Risk Score
5/10
Buyback
❌
Min Inv.
€0
Bonus
0.5% Cashback
Invest within 30 days • Both parties
Invest within 30 days • Both parties
SAVY
Consumer
✅
Rendementen
up to 13%
Risk Score
5/10
Buyback
❌
Min Inv.
€10
Bonus
1% Cashback
First 90 days • Max €1,000
First 90 days • Max €1,000
Letsinvest
Real Estate
✅
Rendementen
up to 12%
Risk Score
5/10
Buyback
❌
Min Inv.
€100
Bondster
Consumer
❌
Rendementen
up to 14%
Risk Score
6/10
Buyback
❌
Min Inv.
€5
Bonus
1% Cashback
First 90 days via referral
First 90 days via referral
Asterra Estate
Real Estate
❌
Rendementen
up to 14%
Risk Score
6/10
Buyback
❌
Min Inv.
€100
FF Forest
Agricultural
❌
Rendementen
up to 18%
Risk Score
8/10
Buyback
❌
Min Inv.
€500
🎁 Bonussen
Monefit SmartSaver
0.5% Cashback + 5€
5€ instant + 0.5% cashback (90 days)
Mintos
Tot 500€ Vaste Bonus
Tiered: €20>1.5K • €35>2.5K • €75>5K • €175>10K • €500>25K (WEALTH26, until 30 Apr 2026)
Bitget
Tot 6000 USDT
Gebruik code FRA555 • Tot 6000 USDT
PeerBerry
0.5% Welcome + Tot 1% VIP
Welcome: +0.5% 90 days • Loyalty: up to +1%
Esketit
1.5% Cashback
First 90 days • Gold/Platinum status
Nectaro
1% Cashback
First 30 days • Max €200
Afranga
0.5% Cashback
First 90 days
InRento
20€ Vaste Bonus
First project • Min €500
Indemo
Tot 5% Cashback
Tiered: 2.5%>250€ • 4%>1500€ • 5%>5000€
Triple Dragon
1% Cashback
Invest within 60 days • Both parties
Lendermarket
10€ + 1.0% Cashback
First 90 days
Maclear
15€ + 3% Cashback
Welcome €15 + 3% cashback first 90 days
Modena
Tot 1025€ Vaste Bonus
Newcomer campaign on official site
Viainvest
1.0% Cashback
Auto-invest only • First quarter
Income Marketplace
1.0% Cashback
First 30 days
Ventus Energy
+1.0% Interest Boost
Extra yield on green investments
LANDE
1% Cashback
First 90 days • Both parties
Debitum
+0.5%/+2% Loyalty
Perpetual loyalty boost by tier
Bondora
5€ Vaste Bonus
Welcome bonus • Invest €50 in 30 days
Revest
0.5% Cashback
Invest within 30 days • Both parties
SAVY
1% Cashback
First 90 days • Max €1,000
Letsinvest
Geen bonussen momenteel beschikbaar
Bondster
1% Cashback
First 90 days via referral
Asterra Estate
Geen bonussen momenteel beschikbaar
FF Forest
Geen bonussen momenteel beschikbaar
8lends
30 USDC + 6% 8LNDS
Welcome: 30 USDC + 6% in 8LNDS tokens on every investment
Crypto-platformen: bekijk de individuele vermeldingen hierboven voor beschikbare bonussen.
📝 Platform Beoordelingen
Gedetailleerde analyse op basis van mijn persoonlijke ervaring.
Mintos
Multi-Asset~12% Rendementen
Voordelen
- Largest platform
- Regulated
- €20K protection
- Many loan types
Nadelen
- Complex for beginners
- Past defaults
Oordeel
The most established P2P platform in Europe. Great for diversification.
PeerBerry
Consumenten11% Rendementen
Voordelen
- Zero investor losses
- ECSP regulated
- Strong buyback
- Reliable
Nadelen
- Lower returns
- Limited loan types
Oordeel
Most reliable platform. Zero losses since launch makes it perfect for conservative investors.
Esketit
Consumenten12-14% Rendementen
Voordelen
- High returns
- Auto-invest
- Buyback guarantee
- Easy UI
Nadelen
- Not regulated
- High risk
Oordeel
High-risk platform with attractive returns. Buyback guarantee provides some security.
Nectaro
Consumenten14.9% Rendementen
Voordelen
- Highest returns
- 0% default rate
- Simple to use
- Fast growth
Nadelen
- New platform (2023)
- Not regulated
- Limited track record
Oordeel
Highest returns in 2026. New but very promising. Worth testing with small amounts.
Afranga
Bedrijven14.75% Rendementen
Voordelen
- High returns
- ECSP regulated
- Business loans
- Good track record
Nadelen
- Bulgarian focus
- Less known
Oordeel
Great regulated option with high returns. Focus on business loans in Bulgaria.
InRento
Vastgoed~12% Rendementen
Voordelen
- Real estate backed
- Zero defaults
- Regulated
- Monthly income
Nadelen
- Longer lock-in
- Limited availability
Oordeel
Best real estate platform. Monthly rental income + property appreciation.
Indemo
NPL15-18% Rendementen
Voordelen
- NPL investing unique
- High returns
- Regulated
- Collateralized
Nadelen
- Complex for beginners
- Longer lock-in
Oordeel
Unique NPL (non-performing loans) platform. High returns for experienced investors.
Triple Dragon
Gaming14% Rendementen
Voordelen
- Unique gaming niche
- 14% returns
- Innovative
- Entertainment sector
Nadelen
- Not regulated
- Niche market
Oordeel
Interesting gaming loans niche. Higher risk but diversifies from traditional consumer loans.
Lendermarket
Consumenten~14% Rendementen
Voordelen
- High returns
- Buyback guarantee
- Auto-invest
- Creditstar backing
Nadelen
- Not regulated
- Limited transparency
Oordeel
Solid platform backed by Creditstar group. Good returns with buyback guarantee.
Maclear
Bedrijvenup to 15.6% Rendementen
Voordelen
- Regulated
- Business loans
- Up to 15.6%
- Transparent
Nadelen
- Newer platform
- Limited track record
Oordeel
Newer regulated platform with business loans. Good transparency and potential.
Modena
Consumenten8.5-11% Rendementen
Voordelen
- Regulated
- Conservative
- Reliable returns
- Good for beginners
Nadelen
- Lower returns
- Limited loan types
Oordeel
Conservative regulated option. Perfect for risk-averse investors seeking steady returns.
Viainvest
Consumenten~11.8% Rendementen
Voordelen
- Regulated
- Steady returns
- Auto-invest
- Buyback
Nadelen
- Limited diversification
- Latvian focus
Oordeel
Reliable regulated platform from Latvia. Good steady returns with buyback guarantee.
Income Marketplace
Consumenten~13% Rendementen
Voordelen
- Junior/senior shares
- Strong protection
- 13% returns
- Innovative
Nadelen
- Not regulated
- Newer platform
Oordeel
Innovative structure with junior/senior shares. Good protection mechanisms despite lack of regulation.
Ventus Energy
Energie6-12% Rendementen
Voordelen
- Green energy
- Unique niche
- Sustainability
- Diversification
Nadelen
- Not regulated
- High risk
- Variable returns
Oordeel
Green energy focus offers unique diversification. High risk but aligns with sustainability goals.
LANDE
Landbouwup to 14% Rendementen
Voordelen
- Agricultural loans unique
- Collateralized by land
- 14%
- Niche
Nadelen
- Not regulated
- Seasonal risk
Oordeel
Unique agricultural niche with land collateral. Seasonal risks but good diversification option.
Debitum
Bedrijven~10% Rendementen
Voordelen
- Regulated
- Business loans
- Diversified originators
- Solid track record
Nadelen
- Lower returns
- Less exciting
Oordeel
Reliable regulated business loans platform. Conservative returns but very solid track record.
Bondora
Consumenten~6% Rendementen
Voordelen
- Go and Grow
- Regulated
- Very simple
- Long track record
Nadelen
- Lowest returns
- Limited control
Oordeel
Pioneer in P2P lending with Go and Grow product. Very safe but lowest returns.
Revest
Vastgoedup to 13% Rendementen
Voordelen
- Real estate backed
- Up to 13% returns
- Collateralized loans
- Simple UI
Nadelen
- Not regulated
- Newer platform
- Limited track record
Oordeel
Real estate P2P platform offering collateralized loans. Good returns for the sector but lacks regulation.
SAVY
Consumentenup to 13% Rendementen
Voordelen
- Long operating history
- Regulated local operator
- Consumer loans diversification
- Auto-invest available
Nadelen
- Lithuanian market concentration
- Consumer-credit cyclicality
- Less passive than cash-style products
Oordeel
Established Lithuanian consumer-loan marketplace with a credible regulatory profile and competitive yields, but still tied to borrower quality in a single domestic market.
Letsinvest
Vastgoedup to 12% Rendementen
Voordelen
- Real-estate backed focus
- Regulated crowdfunding profile
- Project-by-project transparency
- Accessible entry ticket
Nadelen
- Property-market liquidity risk
- Project pipeline can vary
- Capital can stay locked until exit
Oordeel
Promising regulated real-estate platform for investors who want asset-backed exposure and can accept project-specific liquidity risk.
Bondster
Consumentenup to 14% Rendementen
Voordelen
- High advertised yields
- Broad consumer-loan selection
- Buyback-heavy marketplace model
- Low entry threshold
Nadelen
- No top-tier regulation
- Originator quality matters a lot
- Higher risk than conservative peers
Oordeel
Yield-focused marketplace that can appeal to experienced P2P investors, but the absence of strong regulation keeps it below the top-rated conservative platforms.
Asterra Estate
Vastgoedup to 14% Rendementen
Voordelen
- Asset-backed real-estate angle
- Attractive target yields
- Simple niche positioning
- Useful diversification beyond consumer loans
Nadelen
- Limited public track record
- No strong regulation visible
- Real-estate execution risk
Oordeel
Interesting higher-yield property platform for diversification, but it should be treated as a more speculative real-estate allocation rather than a core low-risk holding.
FF Forest
Landbouwup to 18% Rendementen
Voordelen
- Up to 18% annual interest
- Backed by real forest land assets
- Buyback guarantee
- Sustainable forestry niche
Nadelen
- Not regulated
- High minimum (€500)
- New platform with limited track record
- Illiquid (6-24 month terms)
Oordeel
Unique sustainable forestry platform backed by Latvian land assets offering up to 18% returns. Interesting green niche but treat as high-risk due to lack of regulation and short track record.
🚀 Roadmap & verbeteringen
Mobiele app
Native iOS/Android-app voor het volgen van je portfolio onderweg.
Portefeuilletracker Actief
Realtime synchronisatie met platforms om rendementen te volgen.
Slimme meldingen
Notificaties voor nieuwe kansen en platformupdates.
⚠️ Waarschuwing
Investeren in P2P-leenplatforms brengt risico's met zich mee, waaronder het risico van gedeeltelijk of volledig verlies van het geïnvesteerde geld. Uw investering is niet gedekt door depositogarantiestelsels in de zin van Richtlijn 2014/49/EU, noch door beleggerscompensatiestelsels in de zin van Richtlijn 1997/9/EG. U ontvangt mogelijk geen rendement. Dit is geen spaarproduct en wij adviseren niet meer dan 10% van uw nettovermogen te investeren. Dit is geen financieel advies. Overeenkomstig Verordening (EU) 2020/1503.
👋 Over Mij
Francesco uit Italië, enthousiast over alternatieve investeringen.
Ik test elke aanbevolen platform persoonlijk met eigen geld. Geen marketing, alleen praktische analyse.
— Francesco